Discover it® Credit Card

Premium credit card with rotating cash back rewards, no annual fee and online application

Updated: May 25, 2021

Advertiser Disclosure

The Discover It credit card is packed with benefits that can be used all year long. There is no annual fee and a low APR. With 1% cash back on all purchases and 5% cash back on purchases within various categories that change, cardholders have an easy and affordable way to spend.




11.99% - 22.99% Variable



225 User Ratings

Discover it® Credit Card

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Introductory APR


Intro APR Period

14 months

Recommended Credit Score


Key Features

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 11.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 5% cash back for online shopping and department store purchases on up to $1,500. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".

Our Take

All purchases are rewarded with the Discover It card. Cardholders get to enjoy at least 1% cash back with all purchases. Quarterly, categories change where 5% cash back can be earned. There are also participating retailers that provide a certain percentage in cash back rewards as well. You will get 2% with Cashback Match – unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

5% Cash Back Categories (up to $1,500 in purchases annually)

  • January – March: Grocery Stores, Walgreens and CVS
  • April – June: Gas Stations, Uber, Lyft, and Wholesale Clubs
  • July – September: Restaurants and PayPal
  • October – December:, &

Beyond the ability to earn cash back each time the card is used, there are other perks as well.

Other Discover it Card Features

Cardholders get to enjoy a low APR, no annual fee, a low balance transfer rate as well as no foreign transaction fees. The card can be used online and with merchants all over the globe – over 8 million in total. When the bill comes each month, cardholders have up to midnight on the due date to make a payment – and it can be made over the phone or in person. It’s also possible to control the due date so that it’s more convenient for the cardholder to pay the bill along with the other bills that come in during the month.

If a late payment is ever received, it won’t affect the APR, unlike other cards that are out there. In terms of managing the account, there are also tools that can be used. There is a mobile app for smartphones. There is also online account access. These tools can be used to determine balance, credit line availability, and more. With an online application, it’s simple to apply. Within minutes, a determination of credit is provided and a card will be sent out if approved.

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Basic Information
Issuer: Discover Bank
Network: Discover®
Category: Consumer (Regular)
Review: Full Card Review
Best Used For:
  • Instant Decision
  • Low Interest Rate
  • No Foreign Transaction Fee
Rewards: Yes
Reward Types:
  • Cash Back Rewards
  • Other Rewards
  • Universal Rewards
Reward Units: Cash
Rates & Fees
Introductory APR (%): 0%
Applied Towards:
  • Balance Transfer
Intro Period: 14 months
Regular APR: 11.99% - 22.99%
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: Yes
APR on Cash Advances: 24.99%
Grace Period: 25 days
Late Payment Fee: Up to $40
Other Fees:
  • Returned Payment: Up to $40.00

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Additional Information & Comments

See Discover's application for complete Terms & Conditions.

Non-Affiliate Offer Disclosure
*The information provided for Discover it® Credit Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

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Rec. Credit Score: Excellent

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Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.